M&T Bank: Mortgage Originator

Mortgage Underwriter

LCNB National Bank is seeking a Mortgage Underwriter within our Credit Mortgage Lending Department. This position is responsible for the daily tasks involved in reviewing residential FHA/VA/USDA/Conventional loan packages to deliver valid credit decisions according to investor and agency guidelines for specific loan programs. This ideal candidate will evaluate credit worthiness and borrowers' ability to qualify for a mortgage loan in the amount requested with the collateral desired based on investor and agency standards.

Essential Functions and Responsibilities:

Complete analysis of loan packages to deliver valid credit decision

Determine if the loan file is eligible for funding according to investor and agency guidelines to which it is contracted

Determine if the loan file is eligible for insuring according to agency guidelines

Perform timely reviews of stipulations/conditions submitted

Review loan package as submitted by Loan Processor and provide loan approval with conditions to close

Collaborate to remove barriers and proactively bring issues to resolution with other members of the lending team

Work with shipping clerk on stipulation related issues and when necessary, assist in selling loans to investors

Keep up with changes in guidelines, legal, and other compliance related issues

Maintain open lines of communication with Loan Officers and Processors

Provide positive customer service to internal customers by effectively explaining credit decisions

Provide training, when appropriate, for Processors and Mortgage Loan Officers

Comprehend, retain and apply information as necessary to perform duties and responsibilities effectively

Additional duties as assigned

Required Competencies/Skills:

• 5+ years of experience underwriting FHA, VA, and Conventional Loans
• Direct Endorsement from HUD, Lender Appraisal Processing Program LAPP approval, as well as full VA LAPP authority
• Bachelor's or equivalent experience

Desired Competencies/Skills:

Knowledge of retail lending concepts and principles, experience with personal financial and tax return analysis

Ability to accurately analyze financial data with high attention to detail

Ability to examine loan documentation for accuracy and completeness

Ability to read and interpret various investor and agency requirements and relate requirements to loan being underwritten

Ability to work effectively with loan originators and production staff to acquire all required documentation

Strong credit, risk analysis, and analytical skills

Excellent and effective oral and written communication skills with internal and external customers

Ability to understand the perspective of others before making decisions that will affect others

Ability to design and implement efficient and effective processes

Strong work ethic, self-motivated, agile learner

Knowledge and experience with industry-related software and programs, including but not limited to, Encompass, DU (Desktop underwriter), LP (Loan Prospector), and Microsoft Office Suites

Knowledge and familiarity with fraud detection techniques

Strong organizational, multi-tasking, and prioritizing skills to meet deadlines

Ability to exercise good judgment and effectively problem solve

Ability to work independently with a sense of urgency

Ability to work effectively in a team environment and across all organizational levels; where flexibility, collaboration and adaptability are important

Ability to work in a fast-paced high demand deadline driven environment

Ability to read, analyze and interpret policies, contracts, financial documents and other legal documents as needed

Working Conditions:

Willingness to work on-site at stated location on the job opening, position may offer a hybrid work schedule

Ability to remain in a stationary position up to 75% of the time

Ability to lift and carry up to 10 lbs.

Occasionally move/traverse to access files and equipment

Constantly operates a computer and other office equipment

Compliance Statement:

The associate is responsible for meeting all compliance requirements imposed on LCNB National Bank by State and Federal law and regulations, as well as all related LCNB National Bank policies and procedures. Incumbent must be able to perform the essential functions of the position with or without reasonable accommodation. Equal Opportunity Employer/Disability/Veterans.

LCNB National Bank